Njira 7 Zopangira Kusankha Inshuwaransi Yathanzi Sizingapanikizike

Zamkati

• Onaninso za

'Ndi nyengo yoti musangalale! Ndiye kuti, pokhapokha mutakhala m'modzi mwa anthu mamiliyoni ambiri omwe akuyenera kugula inshuwaransi yazaumoyo -kachiwiri-momwemo, nyengo isanakumane ndi nkhawa. Ngakhale kugula mapepala akuchimbudzi ndikosangalatsa kuposa kugula mapulani azaumoyo. Kusanja pamadulira, ndalama zoyambira, maukonde, chithandizo chamankhwala, ndi zina zonse zopeza inshuwaransi yoyenera ndikokwanira kutulutsa aliyense mu mzimu wa tchuthi. (Koma mutha kukondwera ndi Malamulo Atsopano Osangalatsa Okonzanso Zaumoyo ku US)

Ngakhale Obamacare yabweretsa chithandizo chamankhwala kwa anthu ambiri omwe sakanakwanitsa kapena sanayenerere -chinthu chomwe tikusangalala nacho, mwa njira - lingaliro la msika lotseguka lakhala ndi zotsatira zoyipa: kusakhazikika kwamitengo. Oposa 50 peresenti ya anthu omwe adagula mapulani kudzera mu pulogalamuyi awona mitengo yawo ikukwera chaka chatha, nthawi zina kuwirikiza kawiri kapena kuwirikiza katatu pamene makampani akutsitsa mitengo yoyambira yotsika mtengo yomwe amakonda kukopa makasitomala. Izi zapangitsa kuti 25% ya anthu asinthe mapulani, china chomwe sichingakhale chachikulu - pokhapokha atasintha aliyense kugwa. Ndipo kusintha inshuwaransi yazaumoyo sikufanana ndikusintha mapulani a foni.

Chifukwa chake kukupulumutsirani mutu (chifukwa ndani akudziwa ngati pulani yanu ikuphimba aspirin!), Taphwanya njira zisanu ndi ziwiri zokuthandizani kuti musapanikizike kugula inshuwaransi yazaumoyo chaka chino.

1. Lowani pofika Disembala 15, 2015. Inde, posachedwapa. (Koma, Hei, nthawi zina zimathandiza kukhala ndi nthawi yayitali-simungathe kuzengereza!) Windo lotseguka lotseguka kwenikweni limakhala Novembala 15, 2015 mpaka Januware 31, 2016, koma ngati mukufuna kuti kufalitsa kwanu kuyambe pa Januware 1, 2016, muyenera kuzichita bwino tchuthi chisanachitike.

2. Pitani ku HealthCare.gov. Awa ndi tsamba lovomerezeka la boma komanso malo oyeretsera mapulani onse a inshuwaransi pamsika. Ngakhale boma lanu lili ndi tsamba lawo, muyenera kuyamba pano poyamba. Healthcare.gov ikhoza kukulumikizani ndi msika wakuboma kapena boma ndikukupatsani chidziwitso chofunikira chokhudza kupezeka kwanuko. Ndiwonso chida chofunikira chopezera chithandizo kapena kufunsa mafunso.

3. Ganizirani zosintha mapulani. Ngati muli ndi inshuwaransi pakadali pano osachita chilichonse, mapulani anu amangokonzanso. Koma ngakhale iyi ikhoza kukhala njira yosavuta, mwina siyotsika mtengo kwambiri. Malinga ndi HealthCare.gov, makasitomala omwe amasintha mapulani amapulumutsa pafupifupi $500 pachaka. Ndizoyenera kuchita kafukufuku wowonjezera, sichoncho? Kuti mufananize mwachangu mapulani ndikuwona ngati mungasunge ndalama, yesani chowerengera chothandiza ichi.

4. Yesetsani kukhala ndi omwe amapereka. Anthu ambiri amaganiza kuti kusintha mapulani kumatanthawuza kusinthana kwa omwe amapereka, koma nthawi zambiri ndizotheka kukhala ndi omwe akukunyamulani-ati Blue Cross Blue Shield-koma sankhani pulani yotsika mtengo yofananira nayo. Izi zikuthandizani kukhalabe ndi "kupitiriza kwa chisamaliro," kutanthauza kuti mumatha kukaonana ndi madotolo omwewo ndikugwiritsa ntchito zipatala zomwezo, zomwe ndizofunikira kwambiri ngati mukudwala matenda osachiritsika. (Kodi mumadziwa kuti Palibe Umboni Woti Mukufunikira Thupi Lapachaka?)

5. Pansi pa 30? Mutha kukhala oyenera kulandira mitengo yapadera. Kukhala wachichepere komanso wathanzi kuli ndi zabwino kuposa Hollywood! Ambiri omwe amapereka inshuwaransi amapereka mwayi wapadera kwa anthu omwe sanakwanitse zaka 20 kapena 20. Palinso kusiyanasiyana kwapadera komwe kumapangidwira azimayi apakati kapena asitikali ankhondo aku US azaka zilizonse.

6. Osayiwala chindapusa (kapena ngongole ya msonkho!). Ngati mungalole kuti ndalama zanu zizitha kapena mulibe zokwanira, mudzalipitsidwa chindapusa $ 695. Yikes! Koma boma silimangofuna kukulangani chifukwa chosakhala ndi inshuwaransi, amafunanso kukupatsani mphotho mukalembetsa: Mukakhala ndi inshuwaransi, mutha kulandira mphotho ya msonkho yomwe ingakuthandizeni kuti muchepetse ndalama zanu pamwezi.

7. Pemphani chithandizo. Ngati zonse zikumvekabe ngati zachulukira (mafomu aboma atha kuchita izi kwa ife!), musawope kupempha thandizo. Pali mabungwe am'deralo omwe sali ogwirizana ndi kampani ya inshuwaransi iliyonse yomwe ingakuthandizeni kudziwa zomwe muyenera kuchita. (Ndikufuna... Kodi mwayesapo Ma Hacks awa a Healthy Google?)

Onaninso za